If you need emergency assistance in a flood event,
call 000 or the SES immediately.
Loss or damage to your building (home) resulting from:
Loss or damage caused by actions of the sea (e.g. tsunamis, high tides, sea level rises).
Loss or damage to your belongings caused by:
These events are covered if the damage was caused directly by or happened immediately after floods (usually within a 72-hour timeframe of the event occurring).
Loss or damage caused by:
Loss or damage to:
Many insurers don’t include flood insurance as a standard part of a home and contents policy; instead, they may offer it as optional cover. To find out if you’re covered for a flood, check your policy’s PDS to see if it’s listed as an inclusion or benefit.
Remember that flood risk can be reflected in the cost of your home and contents premium. For example, if you own a home in a flood-prone area, you will typically pay a higher premium than homeowners outside of a flood-prone area, or you may even be excluded from flood cover altogether.
Even a small flood can cause serious damage to a building This means repairs to parts of the house or replacing some of your home’s contents may still be necessary and could cost you considerably, especially if you live in a suburb that’s flooded in the past.
It’s smart to ensure you have flood cover as a part of your home and contents policy.
If you’re considering a new home and contents insurance policy or reviewing your existing level of cover, you should ask your insurer the following question:
You should get flood insurance when you take out a home and contents insurance policy, whether it’s an automatic inclusion or an optional extra. Don’t wait until a flood is imminent to get flood cover, as you’ll likely have to wait a period of clearance (usually around 72 hours) before you can be covered for any flood damage claim.
Once you and all household members are safe and there’s no immediate danger, contact your insurance provider and report what has happened. You should document and record as much damage to your property and belongings as you can by taking photos or videos to provide to your insurer.
Don’t discard any of your damaged items, as your insurer may want to see these items as part of their assessment of your claim – they’ll organise someone to come to your property to assess the damage and organise repairs.
Floods can happen in unexpected locations and rather quickly, sometimes even within minutes of heavy rainfall or a dam, levee, or river break. That’s why investing in a home and contents policy with flood cover to protect against unexpected flooding is a safe bet.
Your premiums for flood cover (whether included in your home insurance policy or added as an optional extra) will be largely determined by:
If you’re a renter, you can get flood cover as part of your contents insurance (sometimes called renters insurance). This can financially protect you from losses or damage to your belongings caused by floods. Your landlord is responsible for insuring your building against flood damage.
Flood mitigation measures put in place by local and state governments may help reduce the cost of flood cover by minimising the risk of flood waters damaging properties. This can differ between insurers. Please check your PDS to see if flood damage is included in your policy.
1 Flood insurance explained. The Insurance Council of Australia. 2021.